very bad right now, you see it going up? >> well, oh, yeah, we'll have inflation eventuallybrenda. the probably five years from now, after the current administration leaves office, but we could be looking at rates of 7 to 10% realistically. right now, though, steve is right. it's all about your wages. there is a perception that there is inflation that's out there, but it's not. it is payments, only because you're not earning enough money. eventually it will happen, but right now-- >> toby, health care premiums, tuition, food. >> steve makes a great point the fact that wages have been flat. one. reasons they've been flat, quote, unquote, because the benefits prices go up so much faster than inflation. so, the things that really matter. and actually, the price increases, worse or harder on a person because of the fact that wage is-- wages are a big part of measuring, quote, unquote, inflation, but everyday spending is actually up and in particular, we're getting killed. >> brenda: gary b?